Arogya Sanjeevani Policy

Overview

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan that secures your basic healthcare needs, the Arogya Sanjeevani Policy by ICICI Lombard is an efficient fit. You can avail the plan on an individual and family floater basis and take advantage of the following features:

• In-Patient Hospitalization
• Pre and Post Hospitalization
• AYUSH Treatment
• Day Care Procedures
• Lifelong Renewability

This affordable healthcare plan offers a cumulative bonus up to a maximum of 50% of the Sum Insured, along with coverage for cataract treatments, dental treatments, and plastic surgery if required due to a disease or injury. The plan offers a Sum Insured benefit ranging between ₹1 lakh and ₹5 lakh. To know more about the Arogya Sanjeevani Policy by ICICI Lombard, read further details.

ICICI Arogya Sanjeevani Policy Benefits

The ICICI Arogya Sanjeevani Policy offers numerous features and benefits, ensuring insured individuals can enjoy a stress-free life with their medical care needs covered. Key benefits include:

COVID-19 Cover

The Arogya Sanjeevani Policy by ICICI Lombard offers COVID-19 coverage, covering hospitalization expenses if diagnosed with COVID-19, providing peace of mind.

Family Cover

The Arogya Sanjeevani Policy by ICICI Lombard provides medical care and protection to your family members. Under this plan, you can cover up to 2 adults and 3 dependent children (above 3 months of age), including your spouse, dependent parents, and parents-in-law.

Cataract Treatment

The Arogya Sanjeevani Policy by ICICI Lombard offers cataract cover up to 25% of the Sum Insured or ₹40,000 per eye, per policy year, whichever is lower.

Cumulative Bonus

The ICICI Lombard Arogya Sanjeevani Policy offers an increase in the Sum Insured by 5% for each claim-free year, up to a maximum of 50% of the Sum Insured.

Change of Sum Insured

Insured individuals can increase or decrease their Sum Insured at the time of renewal. However, for any increased Sum Insured, the waiting period will apply afresh only to the enhanced amount.

Exclusions

• OPD Expenses
• Expenses arising out of adventure sports
• Expenses arising due to unlawful activities
• Infertility and fertility treatments
• Expenses arising out of war, civil war, nuclear attack, etc.
• Pre-existing Diseases: 48 Months
• Listed Ailments: 24/48 Months

Conclusion

The ICICI Lombard Arogya Sanjeevani Policy is a versatile and affordable health insurance plan designed to provide medical care to individuals and families. It is a standard health insurance plan with limited sum insured availability but covers all necessary medical requirements. It is an apt health insurance plan for basic health coverage.